Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Beachwalk, St. Johns — a home near Beachside High School.

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Active

Active·112 days on market·Beachwalk

120 Tortola Way

St. Johns, FL 32259

$825,000$275/sqftEst. $4,241/moMLS# 2144260

Beds

Baths

3,003

Sq Ft

2022

Built

Garage

Pool

About this home

Beachwalk

SELLER OFFERING 5000.00 TOWARDS CAPTITAL CONTRIBUTION W/ACCEPTABLE OFFER! Nestled in Seaside at Beachwalk, this stunning home offers the ultimate resort-style lifestyle centered around the community's breathtaking 14-acre Crystal Lagoon and endless amenities for all ages. Home is loaded with upgrades. A CASITA connects the PRIVATE PAVER COURTYARD and creates a peaceful outdoor escape. Home has 5 bedrooms, 4 full baths, & a spacious loft designed for both comfort & privacy. Upstairs offers a private retreat w/ bedroom, full bath, & loft, while the separate Casita offers it's own bedroom & bath and is perfect for a home office, guest suite, or fitness space. Inside, the elegant dining area showcases a custom accent wall, while the chef's kitchen w/ eat-in area overlooks a large preserve-backed backyard. Open family room features a custom wood accent wall, and the luxurious owner's suite includes a sitting area and spa-inspired glamour bath. Home is breathtaking and fits any size family.

Cost to own

Mortgage calculator

Home Price

$825,000

Down Payment: 20%

$165,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,241

Principal & Interest: $4,241

Property taxes (est.): $1,098

Insurance (est.): $550

Estimated Total Monthly

$5,889

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$4,241

Property taxesest. at asking price, St. Johns County$1,098

HOAbilled monthly$72

Estimated total, before insurance$5,411/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

Last sold: $720,100 in September 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$710,870	$585,841	—
2024	$618,623	$568,623	—
2023	$601,000	$551,000	—
2022	$140,000	$140,000	—
2021	$115,000	$115,000	—
2020	$28,500	$28,500	—

Estimated taxes if purchased at asking price: ~$13,200/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Metal — year not disclosed (home built 2022)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,785 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

May 8, 2026Listed$825,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$825,000

Price / Sq Ft$275

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,003

Acres0.26 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryLakeside Academy

MiddleLakeside Academy

HighBeachside

Community Information

Address120 Tortola Way, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionBeachwalk

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size11,325.6 sq ft

Parcel Number0237150620

ZoningSingle Family

Amenities

AmenitiesPool, Beach Access, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Gas Cooktop, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Laminate, Tile

# of Stories1

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Lower Level

SecuritySmoke Detector(s)